Address
30021 Tomas St Suite 300
Rancho Santa Margarita, CA 92688
Tempe Arizona residents: stop letting debt control your life. APFSC provides expert Credit Counseling to help you take back control. Our credit counseling agency team works directly with your creditors to secure lower rates and create a clear path to financial freedom.
- No-Cost Credit Report Evaluation
- Free Credit Counseling Assessment
- Custom Repayment Strategy
As a DOJ-approved 501(c)(3) nonprofit, APFSC provides trusted Credit Counseling services. Every counseling session is completely free, in full compliance with federal and state regulations.
Approved agency for all major creditors including
What We Help With — and How
At APFSC, our goal is simple: help you break free from overwhelming debt without filing for bankruptcy or taking out more loans.
Our certified counselors work with your creditors to reduce interest rates, stop late fees, and simplify your payments into one affordable monthly plan. Whether you’re behind on bills or just need help organizing your finances — we’re here to create a clear path forward.
If you’re feeling stuck, stressed, or unsure what to do next — this is where your fresh start begins.
How does it work?
Credit Cards
Loans
Store Cards
Lines of Credit
Overdrafts
Business Debt
Credit Cards
Loans
Store Cards
Lines of Credit
Overdrafts
Business Debt
Why Tempe Arizona Residents Trust APFSC
For Tempe Arizona residents seeking 501(c)(3) nonprofit, APFSC delivers the highest standard of Credit Counseling. As a DOJ-approved agency, we meet the highest quality standards to help you achieve debt-free plan. We understand the emotional burden that debt can place on a person. Reach out today for a free consultation and let us build a personalized plan for free financial evaluation.
How Credit Counseling From APFSC Benefits You in Arizona
- Get debt-free plan — significantly reducing what you pay each month in Tempe
- Achieve debt-free plan without any negative effect on your credit score or payment record
- Pay off your credit card debt much faster
- One monthly payment, with a payment date to match your schedule
- Build lasting financial habits with our expert counseling and education resources
- Customer Service Hotline to answer your questions
Save Years of Payments
Lower Your Interest Rates
Keep More Money in Your Pocket
No Negative Impact To Your Credit
Frequently Asked Questions About Credit Counseling in Tempe
Still have questions about 501(c)(3) nonprofit in Tempe? We’re here to help!
If you need more information or personalized guidance, feel free to reach out.
Can I qualify for debt relief with bad credit?
Yes — most people who qualify for our programs have less-than-perfect credit. In fact, that’s exactly who we’re here to help.
Will a debt relief plan hurt my credit score?
A brief, minor dip is possible, but the long-term trend is positive — most clients in Arizona see credit score gains as their balances decrease.
Can I use my credit cards while enrolled?
Not during enrollment — the Credit Counseling program requires closing or pausing active cards so you can focus entirely on free financial evaluation.
Is there a cost to enroll in a debt relief program?
Free consultations for Tempe Arizona residents. Enrollment fees are minimal — and the savings on interest alone far outweigh the cost.
What kinds of debt are eligible?
Our Credit Counseling program covers credit cards, personal loans, medical bills, and most unsecured debts. Secured debts like mortgages are not eligible.
How long does the process take?
The typical Credit Counseling program runs 3 to 5 years, depending on your total debt and what fits your monthly budget.
Phone
Email Address
© 2017 – 2025 American Pacific Financial Services Corp (APFSC). All rights reserved. APFSC does not loan money.